Protect
Protecting your income in the UK
Protect the income that you earned.
A Non-FISICS Protect My Income Plan is for a single-country person whose earnings, employment and household commitments are all within one country.
What does this service involve?
Income is often the engine that funds everyday life, saving and future goals, so the plan considers what would happen if illness, injury or another event stopped or reduced earnings and how protection available within that country can keep the household on track.
Calculate
Calculate how much household expenditure depends on the person's income and for how long support may be needed.
Review
Review employer benefits, emergency reserves and existing protection within that country.
Identify
Identify any gap and consider suitable income-protection or related arrangements.
Review
Review cover as earnings, occupation, family commitments or employment change.
Which best describes you today?
You may be considering this because your circumstances have changed, you're planning ahead, or you simply want greater clarity.
Your income stops when you stop working
As a business owner or self-employed professional, you may have little or no sick pay to fall back on if you cannot work.
Your employer cover isn't clear
You may have benefits through work, but not know exactly what you’re covered for, how long it lasts or what happens if you leave.
A recent health scare changed your perspective
An unexpected health event can make you realise how quickly your ability to earn can change.
Your financial commitments don't stop
Your mortgage, school fees, household bills and family commitments still need to be paid, even if your income stops.
Being unable to work feels financially unsettling
Even a few months away from work could put pressure on your savings, lifestyle and plans for the future.
What could happen without a plan?
Your savings may have to carry the burden
If you cannot work for several months, savings can disappear quickly when they have to replace your regular income.
Your family's plans can come under pressure
A prolonged loss of income can affect the lifestyle, opportunities and plans you’ve worked hard to create.
Leaving it can mean relying on luck
The strongest position is to have protection in place while you’re healthy and earning, rather than waiting until you need it.
Which best describes you today?
You may be considering this because your circumstances have changed, you’re planning ahead, or you simply want greater clarity.
What could happen without a plan?
Your income stops when you stop working
As a business owner or self-employed professional, you may have little or no sick pay to fall back on if you cannot work.
Your savings may have to carry the burden
If you cannot work for several months, savings can disappear quickly when they have to replace your regular income.
Your employer cover isn't clear
You may have benefits through work, but not know exactly what you’re covered for, how long it lasts or what happens if you leave.
Your family's plans can come under pressure
A prolonged loss of income can affect the lifestyle, opportunities and plans you’ve worked hard to create.
A recent health scare changed your perspective
An unexpected health event can make you realise how quickly your ability to earn can change.
Leaving it can mean relying on luck
The strongest position is to have protection in place while you’re healthy and earning, rather than waiting until you need it.
Your financial commitments don't stop
Your mortgage, school fees, household bills and family commitments still need to be paid, even if your income stops.
Being unable to work feels financially unsettling
Even a few months away from work could put pressure on your savings, lifestyle and plans for the future.
